Budgeting & Debt
Learn how to manage your budget and reduce debt with practical guides on spending, saving, credit, and repayment strategies. Take control of your money and your life with confidence.
Considering a payday loan? Look into these alternatives first
Here’s how to cover the gap without paying payday loan prices, and without getting stuck in the borrowing cycle.
Car loans for newcomers to Canada: Everything you need to know
A practical guide to auto financing, rates, and the basics of car loans for new Canadians.
Bad credit car loans in Canada: How to get approved
Bad credit car loans are available in Canada, but the terms vary widely. Here’s how to find one that won’t cost you more than the car itself.
Joint account tax implications in Canada: Who pays what to the CRA?
Interest, dividends, and capital gains earned in a joint account are all taxable, but they aren’t necessarily split 50/50. Here’s what the CRA actually expects you to report.
How to keep your house through a consumer proposal in Canada
If your home equity in lower than the bankruptcy exemption in your province (less than $10,783 in Ontario, for example), your proposal can be lower than the amount you owe, even if you own house.
How your personal bankruptcy impacts your spouse in Canada
Filing for personal bankruptcy in Canada does not make your spouse responsible for your debts. The key exceptions involve joint debts, co-signed obligations, and jointly owned assets.
Five bankruptcy alternatives for Canadians struggling with debt
Canadians who owe more than they can repay have at least five viable bankruptcy alternatives that can reduce payments, lower interest, or settle debts for less than the full amount.